Find Your Cards Below And See What You Should Do And Know in 2025!

January 7, 2025

Cindy

–

Find your card below…..then see what you need to know and what you should do in 2025 I have put CHANGES FROM LAST YEAR in red.

Note, I offer information about spending incentives on each card. But just because there is a spending incentive on some of your airline and hotel cards, it doesn’t mean you should take advantage of it. I much prefer your heavy spending on your cards that earn FLEXIBLE REWARDS. However, my opinion may be different if you are spending for airline or hotel status. As always, feel free to reach out if you want to talk about your individual spending plan.

American Express Membership Rewards Cards

American Express PERSONAL Platinum

1. Remember your multipliers-You get 5x per $1 on all airfare, whether booked through Amex Travel or DIRECTLY through the AIRLINE (directly means not thru an intermediary like Expedia or Kayak).You also get 5x on prepaid hotels (Fine Hotels and Resorts and the Hotel Collection) booked through Amex Travel. You earn 2x Membership Rewards on other travel that you book on the American Express Travel website.

2. Shop at Saks-You have another $50 to spend at Saks. Don’t forget about this! You will receive up to $50 in statement credits when you shop at Saks from January through June and another one up to $50 in statement credits when you shop at Saks from July through December. You need to make sure you are ENROLLED in this benefit and pay with your Platinum Card when you shop.

3. Think about if you can use your $200 airline fee credit-Your annual airline fee credit reset, and you have till Jan 31 to make a change (but Amex should make an exception and let you change your airline anytime during the year as long as you haven’t used any of it). If you have trouble using this cash each year, ask me about using it on United Travel Bank cash!

4. Keep trying to use your Uber Cash-I use mine on Uber Eats and I select “pick up” instead of delivery because I have a lot more options! Don’t forget that you get $200 annually in Uber credits. The benefit is really $15 in Uber credits every month, plus a $20 bonus in December, and no, the credit does not carry over each month. You use the monthly credit, or you lose the monthly credit. If you take advantage of this benefit, make sure you add your American Express Platinum Card as a payment method to your Uber app.

5. Can you use your $240 Digital Entertainment Credit-You can get $20 in statement credits per month, for a total of $240 per calendar year when you have monthly charges at Disney+, Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment is required to receive the benefit.

6. Take advantage of the $199 CLEAR Credit–I LOVE CLEAR (especially combined with TSA Pre✓)! You get up to $199 in statement credits per year after you pay for CLEAR with your Platinum Card. This is enough to cover the cost of a CLEAR membership, which is $199.

BUT you do not have to pay $199. You can get Clear at a lower rate (having more of the $199 statement credit to play with) when you DO NOT just go through the general Clear site to register.

Delta-You can register as a Delta SkyMiles member with this link, and the cost of your membership will be $189. Silver, Gold, and Platinum Medallion members get Clear for $159. AND if you have an Amex personal or business Delta Card (Gold, Platinum, or Reserve), you can also get Clear for $159. Diamond Medallion members get Clear for free.

United-You can register as a United MileagePlus member with this link and the cost of your membership will be $189. Premier Silver, Gold, and Platinum status members will get Clear for $159. AND if you have a Chase personal or business United card (Club card, Business card, Explorer card), you can also get Clear for $159. United MileagePlus Premier 1K and Global Services elite status members get Clear for free.

7. Can you take advantage of the $200 Hotel Credit? This one is tough for me to use, you? You get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel. You need to pay with your Platinum Card.

8. Do you belong to Equinox? Take advantage of the $300 back on an Equinox club membership.

9. Walmart+ Membership for free-in the past, one reason I have said to just get this is because it comes with a free Paramount+ membership. But another reason is to save on gas. If you have a Walmart+ membership you can save 10¢ per gallon at Exxon, Mobil, Walmart & Murphy stations. You need to download the app. Then go to services at the bottom and click “Member prices on fuel” in the middle of the page. Then follow the prompts. I am going to try to remember to use this every time I get gas at one of the above service stations!

10. Additional cardholders under the Platinum Card-You were billed in 2024 at the new rate of $195 per additional platinum card. Think about whether you should switch these out for the FREE Companion card the next time you get billed the $195.

11. Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. And for all cardmembers under the Primary Platinum, you get $100 credit too whether these additional cards are real Platinum cards OR THE COMPANION CARDS! Use a separate card for each member’s application fee! CHANGE-Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

12. Lounge Access–STARTING 2/1/25, you will no longer have unlimited access to the Delta Lounge but instead will get 10 visits per year. A Visit includes all access to the Sky Club within a 24-hour period after your first check-in at any Delta Sky Club. But remember, if you are flying on a BASIC ECONOMY TICKET (the one below Main Cabin), you CANNOT use any of your visits to access the lounge.

Also, something to note is that if you are a heavy Amex Platinum spender (I hope just on airfare and fancy hotels through Amex), you will have unlimited access after spending $75k on your Platinum Card in a calendar year. Once you hit the $75k, you will have unlimited access for the remainder of that year and the next. You can still get into Centurion as much as you want, and make sure you have your Priority Pass membership set up.

American Express BUSINESS Platinum Card

1. Remember your multipliers-You get 5x per $1 on all airfare when booked through Amex Travel. You do NOT get 5x per $ when you pay with this card direct through the airline. You also get 5x on prepaid hotels booked through Amex Travel. You earn 2x Membership Rewards on other travel that you book on the American Express Travel website. You earn 1.5X Membership Rewards points on purchases at U.S. electronic goods retailers and software & cloud system providers on up to $2 million of these purchases per calendar year. You also earn 1.5X Membership Rewards points per dollar spent on purchases of $5,000 or more, up to 1,000,000 additional points.

2. Shop at Dell-You have another $200 to spend at Dell. Don’t forget about this! You will receive up to $200 in statement credits when you shop at Dell from January through June. CHANGE-this benefit is ending June 30th. You need to make sure you are ENROLLED in this benefit and pay with your Platinum Card when you shop. You can buy items like headphones and portable speakers.

3. BRAND NEW–$200 Hilton Statement Credit-You get up to $50 per quarter when you use your card at Hiltons. You need to ENROLL in this benefit and a Hilton for Business membership is required. But it is eas and you will be registered for one at the time you enroll in the benefit.

4. $120 Wireless Statement Credits-Put your phone bill on your Business Platinum card as you get $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. It is credited back at $10 back per month.

5. Take advantage of the $189 CLEAR Credit–I LOVE CLEAR (especially combined with TSA Pre✓)! You get up to $199 in statement credits per year after you pay for CLEAR with your Platinum Card. This is enough to cover the cost of a CLEAR membership, which is $199.

BUT you do not have to pay $199. You can get Clear at a lower rate (having more of the $199 statement credit to play with) when you DO NOT just go through the general Clear site to register.

6. Think about if you can use your 35% rebate, and if so, select your airline-Remember, when you use the Pay with Points feature through American Express Travel for either a First or Business class flight on any airline, OR for flights with your selected qualifying airline, you get 35% of your points back up to 250,000 bonus points per calendar year. You have till Jan 31 to make a change to your selected airline (but Amex should make an exception and let you change your airline mid-year).

7. Do you use Indeed or Adobe? You get a $360 Ineed Credit that is credited back as $90 per quarter. You need to ENROLL. You also get a $150 Adobe Credit for purchases with Adobe on annual prepaid plans for Creative Cloud for teams and Acrobat Pro DC with e-sign. CHANGE-this Adobe benefit is ending June 30th.

8. Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. And for all cardmembers under the Primary Platinum, you get $100 credit too whether these additional cards are real Platinum cards OR THE COMPANION CARDS! Use a separate card for each member’s application fee! CHANGE-Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

9. Lounge Access–CHANGE STARTING 2/1/25, you will no longer have unlimited access to the Delta Lounge but instead will get 10 visits per year. A Visit includes all access to the Sky Club within a 24-hour period after your first check-in at any Delta Sky Club. But remember, if you are flying on a BASIC ECONOMY TICKET (the one below Main Cabin), you CANNOT use any of your visits to access the lounge.

Also, something to note is that if you are a heavy Amex Business Platinum spender (I hope just on airfare and fancy hotels through Amex), you will have unlimited access after spending $75k on your Business Platinum Card in a calendar year. Once you hit the $75k, you will have unlimited access for the remainder of that year and the next. You can still get into Centurion as much as you want, and make sure you have your Priority Pass membership set up.

American Express Gold

1. Remember your multipliers–CHANGE-You earn 4 points per dollar at restaurants WORLDWIDE but as of 1/1/25, Amex has capped the amount you can spend at restaurants and still get 4x per $1 to $50,000 on dining per year. Still pretrry good IMO! You also get 4 points per dollar at U.S. supermarkets on up to $25,000 per year in purchases, and 3 points per dollar on flights booked directly with airlines and airfare charged directly with amextravel.com. (directly means not thru an intermediary like Expedia or Kayak).

2. Remember to keep using your $10 monthly dining credit-Remember to keep using your $10 monthly dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com and Five Guys. You need to make sure you are ENROLLED in this benefit. CHANGE-in 2024, Amex got rid of Milk Bar and Shake Shack and added Five Guys.

3. Keep trying to use your Uber Cash-I use mine on Uber Eats and I select “pick up” instead of delivery because I have a lot more options! -Don’t forget you get $120 annually in Uber credits. The benefit is really $10 in Uber credits every month, and no, the credit does not carry over each month. You use the monthly credit, or you lose the monthly credit. If you take advantage of this benefit, make sure you add your American Express Gold Card as a payment method to your Uber app.

4. CHANGE–NEW BENEFIT-$100 Resy Credit-When you CLICK THE ENROLL BUTTON in your Resy credit benefit box in your AMEX log in you will get your $50 in statement credits from January 1 to June 30th and again from July 1 through December 31 for Resy purchases. Thees include purchases at U.S. restaurants that offer reservations on Resy.com. NOTE, you do not have to make the reservation on resy to get the credit.

5. CHANGE-NEW BENEFIT-$84 Dunkin credit-When you CLICK THE ENROLL BUTTON in your Dunkin credit benefit box in your AMEX log in you will get your $7 in monthly statement credits after you pay with your card at Dunkin’ locations. I have tested physical gift cards and that works so far in triggering the credit. ONLINE gift cards do NOT work.

American Express Business Gold

1. Take it out again if you had put it away in 2024 because you reached the cap-Your $150,000 cap in which you can earn 4 points per dollar in your 2 top monthly categories. The categories that qualify are the following:

Advertising (online, TV, radio)

Restaurants

Gas Stations

U.S. purchases made from electronic goods retailers and software & cloud system providers

Transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways

Wireless telephone service charges made directly from a U.S. wireless telephone service provider.

2. Earn extra points through Amex-You earn 3 points (versus 2x) per dollar spent on flights, prepaid hotels, and prepaid flight and hotel packages booked through Amex Travel.

3. $240 Flexible Business Credit-Earn up to $20 in statement credits monthly when you pay with your card at Grubhub, FedEx and Office Supply Stores. You need to click the ENROLL button to get this benefit.

4. $155 Walmart+ Credit Which = Paramount+ For Free-The cost of a $12.95 Walmart+ monthly membership is reimbursed with a statement credit after you pay for Walmart+ each month using your card.

And FYI, someone who has a Walmart+ Membership will be given access to Paramount+ for free.

So, in summary, if you want free Paramount+, activate your Walmart+ benefit and charge the membership to your Platinum card. Each month, you will get credited back the $12.95 monthly membership fee. AND, with that membership, you will get Paramount+.

5. Cell Phone Protection-You can be reimbursed for your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for two approved claims per 12-month period when your prior month’s wireless bill was paid using your card.

American Express Green

1. Remember your multipliers-You earn 3x Membership Rewards points on travel, including flights, hotels, transit, taxis, tours, and ridesharing services. (Click here for a complete definition of travel from Amex). You earn 3x points per dollar at restaurants WORLDWIDE.

2. Take advantage of the $199 CLEAR Credit–I LOVE CLEAR (especially combined with TSA Pre✓)! You get up to $199 in statement credits per year after you pay for CLEAR with your Platinum Card. This is enough to cover the cost of a CLEAR membership, which is $199.

BUT you do not have to pay $199. You can get Clear at a lower rate (having more of the $199 statement credit to play with) when you DO NOT just go through the general Clear site to register.

3. Use your $100 LoungeBuddy credit this year; if you can-Don’t forget, you can use your card to purchase lounge access through LoungeBuddy and receive up to $100 in statement credits per calendar year. I think this is very hard to use! I never was able to.

American Express Everyday Preferred

1. Your grocery cap reset-Your $6,000 cap in which you can earn 3 points per dollar on groceries reset on January 1, 2025.

American Express Blue Business

1. Take it out of hiding if you hadn’t been using it in 2024-Your $50,000 cap in which you can earn 2 Amex points per dollar on ALL PURCHASES reset on January 1, 2025. Yay, I love this card!

cheerful pensive young black woman show credit car 2023 11 27 05 07 24 utc min scaled

Looking for the Best Rewards Card?

The Points Mom’s Got It!

Get The Best Rewards Card For You Now!

American Express Delta SkyMiles Cards

American Express Delta SkyMiles Gold Card & the American Express Delta SkyMiles Gold Business Card

1. Annual Fee is up to $150-in 2024 the fee went up from $99 to $150.

2. TakeOff 15 Benefit-You can save 15% when booking Award Travel with miles on Delta flights.

3. CHANGE–NEW BENEFIT-$200 Delta Flight credit (it used to be $100)-If you spend $10,000 in purchases on your Card in a calendar year (I hope you are not doing that with this card), you get a $200 Delta Flight Credit to use toward future travel. Note that the credit expires one year from when it is issued.

4. CHANGE–NEW BENEFIT-Prepaid hotel credit-personal Delta Gold Cardholders get up to $100 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays and Delta Business cardholders get up to $150 back per year.

5. CHANGE-Business card only-2x per $1 on shipping and advertising purchases. It used to be just 1x per $1.

American Express Delta SkyMiles Platinum Card & the American Express Delta SkyMiles Platinum Business Card

1. Annual Fee is up to $350-in 2024 the fee went up from $250 to $350.

2. Know you will get a companion certificate when you pay your $350 renewal fee-Don’t forget, upon renewing your card, you get a Companion Certificate valid for one round-trip Main Cabin ticket with the purchase of a round trip fare. CHANGE-you used to be able to use the companion ticket for just flights within the continental US. But in March 2024, Amex and Delta added routings originating within the United States, Puerto Rico or the U.S. Virgin Islands (USVI) to the following destinations: the United States, Puerto Rico, USVI, Mexico, Antigua, Aruba, Bermuda, Bonaire, Grand Cayman, Cuba, Jamaica, Bahamas, Turks and Caicos, Dominican Republic, Saint Kitts, St. Maarten, St. Lucia, Costa Rica, Belize, Guatemala, Panama, Honduras, and El Salvador. The primary ticket and Companion ticket must be purchased with your Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates at the same time. You still need to pay the taxes and fees on the companion ticket.

3. Do you have a companion ticket due to expire?-Note your expiration dates, and let’s be hopeful we can use these in 2025!

4. TakeOff 15 Benefit-You can save 15% when booking Award Travel with miles on Delta flights.

5. Spending for Delta Status–THE ONLY METRIC FOR DELTA STATUS IS MQDS. (reminder-Silver is 5,000 MQDs, Gold is 10,000 MQDs, Platinum is 15,000 MQDs, and Diamond is 28,000 MQDs).

a. 2500 Headstart MQDs-watch for these to hit in February.

b. You earn a terrible rate of 1 MQD for every $20 spent with this card.

6. CHANGE–NEW BENEFIT-$120 Resy Credit-When you CLICK THE ENROLL BUTTON in your Resy credit benefit box in your Delta AMEX log in you will get your $10 in statement credits each month Thees include purchases at U.S. restaurants that offer reservations on Resy.com. NOTE, you do not have to make the reservation on resy to get the credit.

7. CHANGE–NEW BENEFIT-$120 Rideshare Credit-When you CLICK THE ENROLL BUTTON in your Rideshare credit benefit box in your Delta AMEX log in you will get your $10 in statement credits each month after using your Card on U.S. rideshare purchases with select providers. NOTE, I am seeing on Reddit that buying Uber Cash will NOT trigger the credit but buying Lyft cash will. If you decide to test it, tell me what worked or didn’t.

8. CHANGE–NEW BENEFIT-Prepaid hotel credit-personal Delta Platinum Cardholders get up to $150 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays and Delta Business cardholders get up to $200 back per year.

9. CHANGE-Business card only-1.5x per $1 on transit, shipping and purchases greater than $5,000 (capped at $100,000 per year). It used to be just 1x per $1.

10. CHANGE-cardholders can no longer pay $50 to get into the Delta SkyClubs.

11. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE-Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

American Express Delta SkyMiles Reserve Card & the American Express Delta SkyMiles Reserve Business Card

1. Annual Fee is up to $650-in 2024 the fee went up from $550 to $650.

2. Know you will get a companion certificate (a first-class one!) when you pay your renewal fee-Don’t forget, upon renewing your card, you get a Companion Certificate valid for one round-trip First Class, Delta Comfort+^®, or Main Cabin ticket with the purchase of a round trip fare. CHANGE-you used to be able to use the companion ticket for just flights within the continental US. But in March 2024, Amex and Delta added on domestic, Caribbean, or Central American roundtrip flights. The primary ticket and Companion ticket must be purchased with your Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates at the same time. You still need to pay the taxes and fees on the companion ticket but of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights.

3. Do you have a companion ticket due to expire?-Note your expiration dates, and let’s be hopeful we can use these in 2025!

4. TakeOff 15 Benefit-You can save 15% when booking Award Travel with miles on Delta flights.

5. Spending for Delta Status–Spending for Delta Status–THE ONLY METRIC FOR DELTA STATUS IS MQDS. (reminder-Silver is 5,000 MQDs, Gold is 10,000 MQDs, Platinum is 15,000 MQDs, and Diamond is 28,000 MQDs).

a. 2500 Headstart MQDs-watch for these to hit in February.

b. You earn a rate of 1 MQD for every $10 spent with this card.

6. CHANGE–NEW BENEFIT-$240 Resy Credit-When you CLICK THE ENROLL BUTTON in your Resy credit benefit box in your Delta AMEX log in you will get your $20 in statement credits each month Thees include purchases at U.S. restaurants that offer reservations on Resy.com. NOTE, you do not have to make the reservation on resy to get the credit.

8. CHANGE–NEW BENEFIT-Prepaid hotel credit-personal Delta Platinum Cardholders get up to $200 back per year as a statement credit for prepaid hotels or vacation rentals booked through Delta Stays on delta.com/stays and Delta Business cardholders get up to $250 back per year.

9. CHANGE-Business card only-1.5x per $1 on transit, shipping and office purchases and and all purchases made after you spend $150,000 on your card in a calendar year.

10. Delta Lounge Visits–CHANGE STARTING 2/1/25, you will no longer have unlimited access to the Delta Lounge but instead will get 15 visits per year. A Visit includes all access to the Sky Club within a 24-hour period after your first check-in at any Delta Sky Club. But remember, if you are flying on a BASIC ECONOMY TICKET (the one below Main Cabin), you CANNOT use any of your visits to access the lounge. Cardmembers also get four one-time guest passes

Also, something to note is that if you are a heavy Delta Reserve card spender (I hope because you need to be for status and you aren’t just spending on this card for no reason), you will have unlimited access after spending $75k on your Delta Reserve Card in a calendar year. Once you hit the $75k, you will have unlimited access for the remainder of that year and the next. You can still get into Centurion as much as you want.

American Express Hilton Honors Cards

Hilton Honors American Express Aspire Card

1. Know you will get a night reward when you pay your renewal fee-this free night can be used at almost all Hiltons, even some of their higher-end properties. I have used mine at the Grand Wailea in Maui and at the Waldorf in Park City and Beverly Hills, some amazing uses of my free nights! The Waldorf in NYC is reopening this spring.

2. Do you have any free nights currently due to expire?-Note your expiration dates.

3. $200 resort credit-CHANGE-and an annoying one. You earn up to $200 in statement credits semi-annually each calendar year for purchases made directly with participating Hilton Resorts on your Card and there is now a limited number of resorts that you can use it at. That list is here.

5. $200 airline fee credit-you can earn statement credits on flights purchased directly from any airline or through amextravel.com. You’ll get up to $50 in statement credits each quarter, for a total of up to $200 back each year.

BUT you do not have to pay $199. You can get Clear at a lower rate (having more of the $199 statement credit to play with) when you DO NOT just go through the general Clear site to register.

7. Premium Car Rental Status-You receive Executive status in National Car Rental Emerald Club. Once enrolled in a program, you are eligible for upgrades when available, discounts, and priority service.

8. Spend $30K and $60K for more Free Night Rewards-You get a free night reward when you hit $30k and $60k.

9. Cell Phone Protection-You can be reimbursed for your costs to repair or replace your damaged or stolen cell phone up to $800, subject to a $50 deductible, for two approved claims per 12-month period when your prior month’s wireless bill was paid using your card.

Hilton Honors American Express Surpass Card

1. $200 statement credit-You will get a $50 per quarter statement credit on Hilton purchases. You need to use it or you will lose it.

2. Premium Car Rental Status-You receive Executive status in National Car Rental Emerald Club. Once enrolled in a program, you are eligible for upgrades when available, discounts, and priority service.

3. Spend $15K and earn a free Night Reward– If you spend $15,000 on purchases on your card in a calendar year, you will earn a free night reward that can be used at any level Hilton.

Hilton Honors American Express Business Card

1. Premium Car Rental Status-You receive Executive status in National Car Rental Emerald Club. Once enrolled in a program, you are eligible for upgrades when available, discounts, and priority service.

2. Spend $15K/$60K and earn Free Night Rewards– You will have the ability to earn a Night Reward after spending $15,000 on purchases on your card in a calendar year and a second reward night after you spend $60,000 in a calendar year.

American Express Marriott Bonvoy Cards

Marriott Bonvoy American Express Card

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 35,000 points) at a participating hotel. You can add up to 15,000 points to top off the certificate.

2. Do you have any free nights currently due to expire?-Try to use them!

3. Do you have any Suite Night Awards (usually earned with status) currently due to expire?-Note your expiration dates. Try to use them. I often fail at this.

4. Did you get your starting Elite Nights? -Each year you start with 15 elite night credits.

Marriott Bonvoy Brilliant American Express Card

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 85,000 points) at a participating hotel.

2. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use them.

3. $25 dining credit.-You receive a $25 automatic monthly dining credit. Remember, to take the card out each month to use it to spend $25 plus on dining to get the $25 monthly statement credit.

4. Did you get your starting Elite Nights? -Each year you start with 25 elite night credits instead of the 15 that we used to get.

5. Can you use your $100 Hotel Credit?-You get a $100 credit for qualifying dining, spa or other hotel recreational activities at the Ritz Carlton or St. Regis when you book direct using a special rate (called $100 Property Credit, Luxury Credit Card Rate) for a 2 night minimum stay.

6. Do you have any Suite Night Awards (usually earned with status) currently due to expire?-Note your expiration dates. Try to use them. I often fail at this.

7. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE-Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

9. Platinum Elite Status-The card now comes with Platinum Elite status which has some nice benefits (like free breakfast) when staying at a Bonvoy.

Marriott Bonvoy Business American Express Card

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 35,000 points) at a participating hotel.

2. Do you have any free nights currently due to expire?-Note your expiration dates. Note your expiration dates.

3. Spend $60K and earn a Free Night Award-If, in any calendar year, you spend $60,000, you will receive a Free Night Award up to 35,000 Marriott Bonvoy Points.

4. Did you get your starting Elite Nights? -Each year you start with 15 elite night credits.

young pair with perfect figure near swimming pool 2023 11 27 04 57 34 utc min scaled

Selfies are always better-

When Your Vacation is Free!

Get Resort Points Now!

American Express Cash Back Cards

American Express Blue Cash Preferred Card

1. Take it out of hiding if you hadn’t been using it in 2024-Your $6,000 cap in which you can earn 6% CASH BACK per dollar at supermarkets reset on January 1, 2025.

American Express Blue Cash Everyday Card

1. Take it out of hiding if you hadn’t been using it in 2024-Your $6,000 cap in which you can earn 3% CASH BACK per dollar at supermarkets reset on January 1, 2025.

American Express Blue Business Cash Card

1. Take it out of hiding if you hadn’t been using it in 2024-Your $50,000 cap in which you can earn 2% CASH BACK per dollar on ALL PURCHASES reset on January 1, 2025.

Chase Ultimate Rewards Cards

Chase Sapphire Reserve and the J.P. Morgan Reserve Visa Infinite Card

1. $300 Annual Travel Credit-Remember, each anniversary, you automatically receive up to $300 in statement credits as reimbursement for travel-related purchases charged to your card.

2. Remember your multipliers– You get 3x points per $1 on all travel (ie-booked outside of Ultimate Rewards) and on dining. And you are still getting 10x points per $1 on Lyft rides through March 2025. You get 5x points per $1 on airfare booked through Ultimate Rewards, 10x points per $1 on hotels and car rentals through Ultimate Rewards, 10x points per $1 on Chase Dining purchases (IMO hard to use, tell me if u have had better luck).

3. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE-Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

4. Points worth 1.5 cents-Don’t forget, points are worth 1.5 cents per point when redeeming for travel and they transfer to most partners at the rate of 1:1.

5. Points worth 1.5 cents for charities-You can use your points to pay yourself back at the rate of 1.5 cents per point for eligible charities.

6. Points worth 1.25 cents for charities-You can use your points to pay yourself back at the rate of 1.25 cents per point for gas stations, utilities, insurance, fitness clubs and gym memberships, and the card’s annual fee.

Chase Sapphire Preferred Card

1. Remember your multipliers-On dining you get 3x points per $1 and 2x points per $1 on all travel (ie-booked outside of Ultimate Rewards). You also get 3x points per $1 on ONLINE groceries and 3x points per $1 on streaming services. (I have moved all of my streaming services here). And you are still getting 5x points per $1 on Lyft rides thru March 2025. You also get 5x points per $1 on travel booked thru Ultimate Rewards.

2. $50 Hotel statement credit-Each ANNIVERSARY year, you get a a statement credit when you use your card for hotel accommodation purchases made through the Ultimate Rewards program.

3. 10% Anniversary Points Boost-Each account anniversary, you’ll earn bonus points equal to 10% of your total purchases made the previous year. That means if you spend $25,000 on purchases, you’ll get 2,500 bonus points.

4. Points worth 1.25 cents-Don’t forget, points are worth 1.25 cents per point when redeeming for travel and they transfer to most partners at the rate of 1:1.

5. Points worth 1.25 cents for charities-You can use your points to pay yourself back at the rate of 1.25 cents per point for eligible charities through March 31, 2025.

Chase Ink Business Preferred

1. $150K cap resets upon your anniversary-Your $150,000 cap will reset upon your anniversary in categories in which you can earn 3 points per dollar: travel, shipping, advertising purchases made with social media sites and search engines; internet, cable, and phone services.

2. Points worth 1.25 cents-Don’t forget, points are worth 1.25 cents per point when redeeming for travel and they transfer to most partners at the rate of 1:1.

3. Points worth 1.25 cents for charities-You can use your points to pay yourself back at the rate of 1.25 cents per point for eligible charities through March 31, 2025.

Chase Ink Business Plus (old card version)

1. $50K cap (earn 5x) resets upon your anniversary-Your $50,000 cap will reset upon your anniversary in categories in which you can earn 5 points per dollar: office supply stores and on cellular phone, landline, internet, and cable TV.

2. Points worth 1.25 cents-Don’t forget, points are worth 1.25 cents per point when redeeming for travel and they transfer to most partners at the rate of 1:1.

Chase Freedom Cards

Chase Freedom Unlimited

1. Remember your multipliers-You get 3x points per $1 at restaurants and drug stores. And you are still getting 5x points per $1 on Lyft rides thru March 2025. You get 1.5x points per $1 on all other purchases.

2. The Match Offer-For those of you that got this card last year with the match offer, and you have not yet hit your year, keep up the spending! My offer ended in October and I got my match about 6 weeks later. The points will show up as pending before they post. Also, if someone else in your family has an another Freedom Unlimited, consider converting one of these to the Freedom FLEX. Ask me about this!

3. Remember to keep moving your Freedom points to your more lucrative Sapphire buckets periodically-email me if you need to be reminded of the steps.

Chase Freedom Flex and the old version Chase Freedom Card

1. Break out this card for Grocery Stores excluding Walmart and Target , Norwegian Cruise Line(weird) , Fitness Clubs & Gym Memberships, and Hair, Nails & Spa Services. Activate your 5% cash back/5 Ultimate Rewards points per $ spent (up to $1,500) in bonus categories which for the first quarter of 2025 includes GROCERIES (yay easy!). You need to activate by March 14, 2025.

2. Remember to keep moving your Freedom points to your more lucrative Sapphire buckets periodically-email me if you need to be reminded of the steps.

Chase United Airline Cards

Chase United Explorer Visa

1. Two United Club passes every year for your anniversary-Make sure you get your two one-time-use passes to the United Club each year for your Cardmember anniversary.

2. Do you need to spend on your card to achieve or maintain United MileagePlus Premier status?-You can earn 25 PQP for every $500 you spend on purchases with the Card (up to 1,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to and including the Premier 1K level.

4. Do you also have a Chase United Business card?-You should get 5,000 Anniversary Bonus Miles when you have both this personal Card and the Chase United Business card below. This is called the “better together” bonus.

Chase United Club Infinite Card

1. Do you need to spend on your card to achieve or maintain United MileagePlus Premier status?-You can earn 25 PQP for every $500 you spend on purchases with your card (up to 10,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to and including the Premier 1K® level.

2. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

Chase United Business Visa

1. Two United Club passes every year for your anniversary-Make sure you get your two one-time-use passes to the United Club each year for your cardmember anniversary.

3. Do you also have a Chase United Explorer card?-You should get 5,000 Anniversary Bonus Miles when you have both this business card and the Chase United Explorer Visa above. This is called the “better together” bonus.

4. $100 United Annual Travel Credit-Each anniversary year that you make seven (7) United flight travel-related purchases, each totaling $100 or more, with your United Business Card, you will receive a $100 statement credit. United flight travel-related purchases include seat upgrades, inflight food, beverages, and Wi-Fi; baggage service charges or other United fees.

Chase United Quest Card

1. $125 Annual United Purchase Credit-You receive up to $125 in statement credits each account anniversary year as reimbursement for United purchases charged to your card.

2. Two 5,000-Mile Anniversary Award Flight Credits-Each anniversary year, you’ll get 5,000 miles back in your MileagePlus account after you take a United or United Express-operated award flight booked with your miles – up to 2 times every anniversary year.

3. Do you need to spend on your card to achieve or maintain United MileagePlus Premier status?-You can earn 25 PQP for every $500 you spend on purchases with the Card (up to 6,000 PQP in a calendar year) that can be applied toward your Premier status qualification, up to and including the Premier 1K level.

4. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

Chase Southwest Airline Cards

Chase Southwest Airlines Rapid Rewards Premier Card

1. Anniversary Points-Make sure you receive 6,000 points after your cardmember anniversary.

2. Two Early Bird Check-Ins Each Year-Each anniversary year, you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your card. CHANGE-Note that later this year, SW is starting assigned seating. So I am guessing that these early bird check-ins would allow you to choose your seat earlier than other passengers when the assigned seating system opens up. We will see!

3. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $5,000 in purchases on your card.

4. Companion Pass-Remember, the Companion Pass point earning requirement is now 135,000, but because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Rapid Rewards Priority Card

1. Anniversary Points-Make sure you receive 7,500 points after your cardmember anniversary.

2. Try to use your $75 Travel Credit-You get a $75 Southwest annual travel statement credit when you use your card for purchases (excluding Upgraded Boardings and inflight purchases) up to $75.

3. Pay for up to 4 Upgraded Boardings-Each anniversary year, you will be reimbursed for the purchase of up to 4 Upgraded Boardings, which are positions A1-A15. CHANGE-BUT, this will likely be affected when SW starts assigned seating later this year. We will see how this all plays out.

4. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $5,000 in purchases on your card.

5. Companion Pass-Remember, the Companion Pass point earning requirement is now 135,000, but because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Airlines Rapid Rewards Plus Card

1. Anniversary Points-Make sure you receive 3,000 points after your cardmember anniversary.

2. Pay for Two Early Bird Check-Ins Each Year-Each anniversary year, you will be reimbursed for the purchase of up to 2 EarlyBird Check-In services made with your card. CHANGE-Note that later this year, SW is starting assigned seating. So I am guessing that these early bird check-ins would allow you to choose your seat earlier than other passengers when the assigned seating system opens up. We will see!

3. Companion Pass-Remember, the Companion Pass point earning requirement is now 135,000 but because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Southwest Airlines Rapid Rewards Premier Business Card

1. Anniversary Points-Make sure you receive 6,000 points after your cardmember anniversary.

3. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $5,000 in purchases on your card.

4. Companion Pass-Remember, the Companion Pass point earning requirement is now 135,000 but because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

5. $500 fee credit for points transfers per year-When you pay with your card to transfer points to another member, fees associated with the transfer will be reimbursed–up to $500 in statement credits per anniversary year.

Chase Southwest Airlines Rapid Rewards Performance Business Card

1. Anniversary Gift-Make sure you receive 9,000 points after your cardmember anniversary.

2. Pay for up to 4 Upgraded Boardings-Each anniversary year, you will be reimbursed for the purchase of up to 4 Upgraded Boardings, which are positions A1-A15. CHANGE-BUT, this will likely be affected when SW starts assigned seating later this year. We will see how this all plays out.

3. Do you need to achieve or maintain A-List or A-List Preferred Status?-You receive 1,500 TQPs for every $5,000 in purchases on your card.

5. $500 Fee Credit For Points Transfers-When you pay with your card to transfer points to another member, fees associated with the transfer will be reimbursed–up to $500 in statement credits per anniversary year.

6. Companion Pass-Remember, the Companion Pass point earning requirement is now 135,000, but because you have the card, you should also be receiving a boost of 10,000 Companion Pass qualifying points every calendar year. Watch for those if you have not already gotten them.

Chase Other Airline Cards

Chase British Airways Visa Signature

1. Travel Together Ticket-If you want to secure a Travel Together Ticket, your $30,000 purchase requirement has been reset.

2. Reward Flight Statement credits-Don’t forget, if you pay the taxes and fees (on reward flights) with your card, you’ll automatically receive a statement credit of $100 for an economy or premium economy booking or $200 for a business or first class booking. You can get one statement credit per reservation, up to 3 times per calendar year.

Chase Aeroplan Card

1. Nice Multipliers-3x per $1 on Air Canada flights AND dining and groceries.

2. 500 Monthly Bonus Points-Know you will earn 500 bonus points for each $2,000 spent each calendar month on up to $6,000 in purchases (for a possible total of 1,500 bonus points each calendar month).

3. Need to maintain Aeroplan 25K Status?-Keep your Aeroplan 25K Status with $15,000 in account spend during a calendar year.

3. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

4. Redeem points for travel at 1.25 cents per point-You can redeem points for a statement credit to cover travel purchases made with your Card at the rate of 1.25 cents per point. CHANGE-You can use a max of 200,000 Aeroplan points per year at the 1.25 cent redemption rate.

5. 10% bonus on Ultimate Rewards points transfers-Chase Aeroplan cardmembers get an extra 10% bonus from Aeroplan with every Ultimate Rewards transfer of 50,000 points or more from a Chase Ultimate Rewards card. You can get a max of 25,000 bonus points per calendar year.

Chase Iberia Visa Signature Card

1. Discount Voucher-Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each year you make purchases of $30,000 on your card.

2. 10% off Iberia Flights-you can get 10% off Iberia flights when you book thru here.

Chase Aer Lingus Visa Signature Card

1. Companion Ticket-Every calendar year you make $30,000 in purchases on your card, you’ll recieve an economy companion ticket good for 12 months. The Companion Ticket will be in the form of a voucher that can be redeemed by a Cardmember for an economy companion ticket with a PAID economy flight.

Chase Bonvoy Cards

Chase Marriott Bonvoy Boundless Card

2. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use them!

3. Gold Elite Status by spending $35K-If you happen to spend at least $35,000 on your card, you will qualify for Gold Elite Status through December 31 of the following year. (IMO-Gold status is just eh).

4. 15 Elite Night Credits-You should have started the year with 15 Elite Night credits. Make sure you see those in your Bonvoy account.

Chase Marriott Bonvoy Bountiful Card

1. Know after $15,000 in spend in a calendar year, you will get a free night award-This is valid for a one-night hotel stay at a property with a redemption level of up to 50,000 points. You can add up to 15,000 points to top off the certificate.

2. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use them!

4. 15 Elite Night Credits-You should have started the year with 15 Elite Night credits. Make sure you see those in your Bonvoy account.

Chase Ritz-Carlton Rewards Visa Infinite Credit Card

1. Know you will get a free night award after your card account anniversary-This free night can be used for one night (redemption level at or under 85,000 points) at a participating hotel. You can add up to 15,000 points to top off the certificate.

2. Do you have any free nights currently due to expire?-Note your expiration dates.

3. Do you have any Club Level upgrades currently due to expire?-Note your expiration dates. Your stay must be for a minimum of 7 nights to use these.

4. 10% Annual Points Premium-Make sure you receive your 10% Annual Points Premium on points earned through card purchases made during the year.

5. $300 Annual Travel Credit-Make sure to use your $300 annual calendar year travel credit that you can use for seat upgrades, baggage fees, and preferred lounge memberships or passes, etc. Unlike with other cards at this level, you must use the card for the prior purchases and call 1-855-896-2222 after using your card to apply the credit. (AKA annoying!)

6. $100 Hotel Credit-Try to use your $100 credit that you get for qualifying dining, spa, or other hotel recreational activities. You can use the credit with any paid stay at The Ritz-Carlton of two nights or more. Advance reservations are required. You need to call to reserve your Hotel Credit at 1-800-542-8680.

7. Achieve Platinum Elite Status via spending-You get Gold Elite status in the Ritz-Carlton Rewards program each account anniversary year, and remember, you can achieve Platinum Elite Status if you spend $75,000 on purchases each account year.

8. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

9. Did you get your starting Elite Nights? -Each year you start with 25 elite night credits. Make sure you see those in your Bonvoy account.

Chase Hyatt Cards

Chase World Of Hyatt Credit Card

1. Free night upon your anniversary-You receive 1 free night every year after your cardmember anniversary at any Category 1-4 property.

2. Do you need to spend on your card to achieve or maintain World Of Hyatt elite status?-You receive 5 qualifying night credits towards your next tier status every year. Plus, 2 additional qualifying night credits toward your next tier status every time you spend $5,000 on your card.

3. Spend $15K for an extra free night-Receive an extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year.

4. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use your free night awards!

Chase World Of Hyatt Business Credit Card

1. $100 in Hyatt Credits Each Anniversary Year-Try to use this benefit where if you spend $50 or more at any Hyatt property, you earn $50 statement credits up to two times each anniversary year.

2. Do you need to spend on your card to achieve or maintain World Of Hyatt elite status?-You’ll earn 5 tier qualifying night credits for every $10K you spend in a calendar year.

3. Make sure you get your 10% Redemption bonus if you qualify-If you spend $50,000 in a calendar year, you get 10% of your redeemed points back for the rest of the year, on up to 200,000 points redeemed.

Chase IHG Cards

Chase IHG Rewards Club Premier Credit Card

1. Free night upon your anniversary-You receive 1 free night every year after your cardmember anniversary redeemable at properties up to 40,000 IHG Rewards points. But, you have the ability to add on points from your Rewards account to redeem your Anniversary Free Night at hotels above the 40,000 point redemption level

2. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use them!

3. Fourth Night Free-When planning, remember that for each standard room reward night stay of 4 or more nights, every 4th night is free.

4. 10,000 anniversary bonus points for spending $20k-If you happen to spend at least $20,000 during your anniversary year (and one additional purchase), you will receive 10,000 bonus points.

5. Diamond Elite Status for spending $40k-If you happen to spend at least $40k during the calendar year, you will get IHG Diamond Elite Status through December 31st of the following year.

6. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

Chase IHG Rewards Club Premier BUSINESS Credit Card

2. Another Free Night-You can earn an additional Free Night after spending $60,000 on your card.

3. Do you have any free nights currently due to expire?-Note your expiration dates. Try to use them!

4. Fourth Night Free-When planning, remember that for each standard room reward night stay of 4 or more nights, every 4th night is free.

5. 10,000 anniversary bonus points for spending $20k-If you happen to spend at least $20,000 during your anniversary year (and one additional purchase), you will receive 10,000 bonus points and a $100 statement credit.

6. Diamond Elite Status for spending $40k-If you happen to spend at least $40k during the calendar year, you will get IHG Diamond Elite Status through December 31st of the following year.

7. $50 in TravelBank Cash Each Year-You can earn up to $50 in United TravelBank Cash each calendar year – specifically, $25 in TravelBank Cash given every January and July. You need to register your card with your United MileagePlus account to get the cash. And note expiration dates: the January cash expires July 15th, and the July cash expires on January 15th.

Chase IHG Rewards Club Traveler Credit Card

1. Gold Elite Status for spending $10k-If you happen to spend at least $10k during the calendar year, you will get IHG Gold Elite Status through December 31st of the following year.

2. Fourth Night Free-When planning, remember that for each standard room reward night stay of 4 or more nights, every 4th night is free.

Capital One Venture and Spark Miles Cards

Venture X Rewards Card

1. $300 Annual Travel Credit-Make sure to use the annual $300 back as statement credits for bookings through Capital One Travel. This credit is based on your cardmember year, and the credit can be a single credit if the purchase is greater than or equal to $300 or in multiple statement credits until the total purchases are greater than or equal to $300.

2. Anniversary Bonus-Make sure you get your 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. I was a November applicant and pay my $395 renewal fee in November each year. I jget the 10,000 bonus miles in January. So don’t be nervous if you don’t see them yet.

3. Access the new Capital One Lounges-Now there are FOUR lounges. They are in Dallas, DC (x2), and Denver, and Capital One plans to open more.

4. Access Plaza Premium Lounges-You can access all the lounges run by the Plaza Premium Group. Here is the list of all the lounges you can enter. Capital One Eligible Lounges | Plaza Premium Lounge. You can also bring in 2 guests for free. CHANGE-starting March 1, cardholders will no longer have access to the Plaza Premium lounges. But many of the lounges are also part of the Priority Pass network which cardholders still have.

5. Priority Pass-You get a Priorty Pass membership with your card. However, you cannot access Priority Pass restaurants and spa services with your membership.

Venture Rewards Card

1. ~~Get 2 free visits per year to the new Capital One Lounges~~–CHANGE-as of 1/1/25, cardholders will no longer receive access to Capital One’s airport lounges.

2. ~~Get two complimentary visits per year to Plaza Premium Lounges~~–CHANGE-as of 1/1/25, cardholders will no longer receive access to Plaza Premium lounges.

3. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

Capital One Spark Miles Business Card

1. ~~Get 2 free visits per year to the new Capital One Lounges~~–CHANGE-as of 1/1/25, cardholders will no longer receive access to Capital One’s airport lounges.

2. ~~Get two complimentary visits per year to Plaza Premium Lounges~~–CHANGE-as of 1/1/25, cardholders will no longer receive access to Plaza Premium lounges.

3. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

e banking e commerce happy latin chubby business 2023 11 27 05 36 44 utc 1 min scaled

The Points Mom’s Got IT!

Get The Best Points Now!

Citibank ThankYou Cards

Citi ThankYou Premier

1. Remember your multipliers-Don’t forget you get 3x ThankYou Points on supermarkets, restaurants, air travel, hotels and gas stations.

2. $100 Annual Hotel Savings-Don’t forget, you receive $100 off a single hotel stay of $500 or more, excluding taxes and fees, once per calendar year. You need to book the stay through thankyou.com or 1-800-THANKYOU, pay with your Citi Premier Card, ThankYou Points, or a combo, and receive $100 off instantly at checkout.

3. You may be lucky you have this card-there is buzz that Citi Thankyou Points will be able to be transferred to American Airlines. If that happens, the game will get a little more interesting. I just got this card (again), and Rob, too, in anticipation of this. TBD!

Citi ThankYou Prestige

1. $250 Statement Credit For Travel Purchases-Don’t forget you get a $250 calendar year statement credit for travel purchases.

2. Complimentary 4th nights reset-You can get a complimentary free night at any hotel of your choice after a minimum 4-consecutive-night booking if you book through ThankYou.com. This benefit is, unfortunately, now capped at 2 times each calendar year.

3. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

4. You may be lucky you have this card-there is buzz that Citi Thankyou Points will be able to be transferred to American Airlines. If that happens, the game will get a little more interesting. I just got this card (again), and Rob, too, in anticipation of this. TBD!

Citibank Rewards+ Card

1. 10% Points Back on Redemptions-Know you get 10% Points Back for the first 100,000 ThankYou Points you redeem per year.

Citibank American Airlines AAdvantage Cards

Citi / AAdvantage Platinum Select World Elite MasterCard

1. Spend $20k and get a flight discount-If you happen to spend $20,000 or more in purchases during your card membership year and renew your card, you will earn a $125 American Airlines Flight Discount. The Flight Discount expires one year from the date of issue of the certificate.

2. Spend on your card if you want American AAdvantage status-You will earn one Loyalty Point (the measure to earn status) for every one eligible AAdvantage mile earned from purchases using your credit card.

CitiBusiness/AAdvantage Platinum Select World MasterCard

1. Spend $30k and get a companion certificate-If you happen to spend $30,000 or more in purchases during your card membership year and renew your card, you will earn a Companion Certificate. The certificate will be valid one year from issue.

Citi Executive AAdvantage Card

1. Spend on your card if you want American AAdvantage status-You will earn one Loyalty Point (the measure to earn status) for every one eligible AAdvantage mile earned from purchases using your credit card.

2. Remember, you get Admirals Club membership with the card–You and your immediate family (or up to two traveling guests that accompany you) have access to Admirals Club worldwide locations.

3. Up to $120 in Lyft credits-after taking 3 rides in a calendar month, you will earn a $10 Lyft credit, for a total of up to $120 Lyft credits annually.

4. Up to $120 back for Grubhub-Earn a statement credit of up to $10 per month on Grubhub purchases, for a total of up to $120 every 12 billing statements.

5. $120 back on Avis/Budget car rentals-Earn a $1 statement credit per $1 spent on Avis or Budget car rental purchases, up to $120 every calendar year.

Barclays Bank American Airlines Aviator Cards

AAdvantage Aviator Business MasterCard

1. 5% Mileage bonus-After your account anniversary, make sure you get a 5% American Airlines AAdvantage mileage bonus based on the total number of miles earned using your card.

2. Companion Certificate-Each anniversary year, earn a Companion Certificate good for $99 (plus taxes and fees) after spending $30,000 on purchases and your account remains open for 45 days after your anniversary date.

Barclays Bank AAdvantage Aviator Silver MasterCard

1. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

2. Companion Certificate-Each anniversary year, earn a Companion Certificate good for 2 guests at $99 each (plus taxes and fees) after spending $20,000 on purchases and your account remains open for 45 days after your anniversary date.

Barclays Bank AAdvantage Aviator Red World Elite MasterCard

1. Companion Certificate-Each anniversary year, earn a Companion Certificate good for 2 guests at $99 each (plus taxes and fees) after spending $20,000 on purchases and your account remains open for 45 days after your anniversary date.

2. $25 Wifi credit-Get up to $25 back as statement credits on inflight Wi-Fi purchases each anniversary year on American Airlines operated flights.

Barclays Bank Other Airline Cards

Hawaiian Airlines World Elite MasterCard

1. Know that you get a $100 discount on a companion ticket on your acct anniversary-Earn a one hundred dollar ($100) discount off one coach companion ticket on each credit card account anniversary, which is valid for 12 months from account anniversary.

Hawaiian Airlines World Elite Business MasterCard

1. Spend $50K/$100K for 20,000/40,000 Miles-Earn 20,000 bonus HawaiianMiles on your account anniversary with $50K-$99K in annual spend or 40,000 bonus HawaiianMiles with $100K or more in annual spend.

JetBlue Plus MasterCard and JetBlue Business MasterCard

1. 5,000 Anniversary points-Make sure that you get 5,000 TrueBlue bonus points on your account anniversary (as long as your Account remains open and in good standing).

2. 10% Mileage Redemptions-With the cards, you earn 10% of your redeemed JetBlue miles back.

3. Mosaic Status-You get 1 Tile for every $100 you sspend on JB flights AND you get 1 Tile for every $1,000 you spend on your JetBlue credit card.

Emirates Skywards Premium World Elite Mastercard

1. Keep Your Gold Tier Status After The First Year-You can maintain your status by spending $40,000 each card membership year. Check out some of the benefits of Gold status.

2. Earn anniversary bonus Skywards Miles-You can earn 10,000 anniversary miles after spending $30,000 each card membership year.

3. Need to renew TSA Pre√ or Global Entry?–Is your Global Entry/TSA Precheck expiring this year? Don’t forget about the Fee Credit for Global Entry or TSA Pre✓. You receive one Global Entry ($120) statement credit or one TSA Pre✓ ($85) statement credit every four years for an application fee charged to your Platinum Card. CHANGE–Global Entry went up from $100 to $120 last fall AND now kids under 18 can get Global Entry for free as long as their parents have it. Know that you still need to apply for you kids separately.

Barclays Bank Hotel Cards

Wyndham Rewards Earner+ Card

1. Anniversary Points-Earn 7,500 bonus points after paying the renewal annual fee in full within the first 90 days of the Card Account anniversary date.

Wyndham Rewards Earner Card

1. Anniversary Points-If you spend $15,000 in your cardmember year, you will earn 7,500 bonus points after paying the renewal annual fee.

Wyndham Rewards Earner Business Card

1. Anniversary Points-Earn 15,000 bonus points after paying the renewal annual fee in full within the first 90 days of the Card Account anniversary date.

Bank Of America Cards

Bank Of America Premium Rewards Credit Card

1. Think about if you can use your annual $100 airline travel credit-Your $100 Airline Incidental Statement Credit that you get each calendar year reset. This credit can be used for qualifying purchases such as seat upgrades, baggage fees, in-flight services, and airline lounge fees. The credit is automatically applied to your card statement.

Alaska Airlines Visa Signature Credit Card

1. Know you will get your $99 companion certificate on your account anniversary-You will receive an annual coach Companion Fare for $99 (plus taxes and fees) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. The Companion Fare must be redeemed within 12 months of the date of issue. It is valid on all Alaska flights booked on alaskaair.com with no blackout dates.

2. Do you have a $99 companion ticket due to expire?-Note your expiration dates.

Alaska Airlines Visa Business Mileage Plan Card

2. Do you have a $99 companion ticket due to expire?-Note your expiration dates.

Air France KLM World Elite MasterCard

1. 5,000 Miles for spending just $50-Earn 5,000 Flying Blue Miles every year on your account anniversary after spending $50 or more on purchases within the anniversary year.

US Bank Altitude Cards

U.S. Bank Altitude Reserve Card

1. $325 Annual Travel (and restaurant) Credit-Don’t forget, each year, you automatically receive up to $325 in statement credits as reimbursement for travel-related purchases charged to your card and and any merchant classified as a restaurant, fast-food restaurant or bar.

U.S. Bank Altitude Connect

1. 4 Lounge Visits-You get a Priority Pass Select Membership that gives you 4 visits to the lounges.

U.S. Bank Altitude Go Card

1. $15 streaming credit-If this is the card you have streaming services on, an automatic statement credit of $15 per 12-month period will be applied to your account following 11 consecutive calendar months of eligible streaming service purchases.

2. CHANGE-as of April 14, 2025, your 4x per $1 on dining and take out will be capped at $2,000 each quarter.

Wells Fargo Cards

Bilt Rewards Card

1. Rent Days-remember on the 1st of each month you get double points on all your spending up to $1k (not on rent). If you have a Bilt card and are NOT getting my Rent Day emails, reach out so I can add you.

2. Bilt Rewards app-there are lots of opportunites for extra Bilt points in the app.

Autograph Journey Card

1. $50 Annual Statement Credit for airline purchases-You get a statement credit automatically applied on the first airline purchase of $50 or more.

Loading….

Need Help???

Get a FREE 15 Minute Zoom Call with Cindy so you can get the RIGHT Card- RIGHT NOW

Free Zoom Call

Free!!!

K. Roth

... I saved $700 in annual fees and scored 120,000 worth of bonus points. I also got $100 off a pair of fancy headphones and $200 worth of airline gift cards. ....

D. Cohen

I am obsessed with Cindy "The Points Mom". Today she saved me 100,000 points and $1500 booking a flight...

M. Bernaducci

A huge shout out to CINDY GREENSTEIN, aka The Points Mom, for helping me book our flights to Greece using points. Money wise it would have cost $12k. I learned so much from her! Contact her. You will not be disappointed.

Find Your Cards Below And See What You Should Do And Know in 2025!

Cindy

Table of Contents

American Express Membership Rewards Cards

American Express PERSONAL Platinum

American Express BUSINESS Platinum Card

American Express Gold

American Express Green

American Express Everyday Preferred

American Express Blue Business

Looking for the Best Rewards Card?

American Express Delta SkyMiles Cards

American Express Delta SkyMiles Gold Card & the American Express Delta SkyMiles Gold Business Card

American Express Delta SkyMiles Platinum Card & the American Express Delta SkyMiles Platinum Business Card

American Express Delta SkyMiles Reserve Card & the American Express Delta SkyMiles Reserve Business Card

American Express Hilton Honors Cards

Hilton Honors American Express Aspire Card

Hilton Honors American Express Surpass Card

Hilton Honors American Express Business Card

American Express Marriott Bonvoy Cards

Marriott Bonvoy American Express Card

Marriott Bonvoy Brilliant American Express Card

Marriott Bonvoy Business American Express Card

American Express Cash Back Cards

American Express Blue Cash Preferred Card

American Express Blue Cash Everyday Card

American Express Blue Business Cash Card

Chase Ultimate Rewards Cards

Chase Sapphire Reserve and the J.P. Morgan Reserve Visa Infinite Card

Chase Sapphire Preferred Card

Chase Ink Business Preferred

Chase Ink Business Plus (old card version)

Chase Freedom Cards

Chase Freedom Unlimited

Chase Freedom Flex and the old version Chase Freedom Card

Chase United Airline Cards

Chase United Explorer Visa

Chase United Club Infinite Card

Chase United Business Visa

Chase United Quest Card

Chase Southwest Airline Cards

Chase Southwest Airlines Rapid Rewards Premier Card

Chase Southwest Rapid Rewards Priority Card

Chase Southwest Airlines Rapid Rewards Plus Card

Chase Southwest Airlines Rapid Rewards Premier Business Card

Chase Southwest Airlines Rapid Rewards Performance Business Card

Chase Other Airline Cards

Chase British Airways Visa Signature

Chase Aeroplan Card

Chase Iberia Visa Signature Card

Chase Aer Lingus Visa Signature Card

Chase Bonvoy Cards

Chase Marriott Bonvoy Boundless Card

Chase Marriott Bonvoy Bountiful Card

Chase Ritz-Carlton Rewards Visa Infinite Credit Card

Chase Hyatt Cards

Chase World Of Hyatt Credit Card

Chase World Of Hyatt Business Credit Card

Chase IHG Cards

Chase IHG Rewards Club Premier Credit Card

Chase IHG Rewards Club Premier BUSINESS Credit Card

Chase IHG Rewards Club Traveler Credit Card

Capital One Venture and Spark Miles Cards

Venture X Rewards Card

Venture Rewards Card

Capital One Spark Miles Business Card

Citibank ThankYou Cards

Citi ThankYou Premier

Citi ThankYou Prestige

Citibank Rewards+ Card

Citibank American Airlines AAdvantage Cards

Citi / AAdvantage Platinum Select World Elite MasterCard

CitiBusiness/AAdvantage Platinum Select World MasterCard

Citi Executive AAdvantage Card

Barclays Bank American Airlines Aviator Cards

AAdvantage Aviator Business MasterCard

Barclays Bank AAdvantage Aviator Silver MasterCard

Barclays Bank AAdvantage Aviator Red World Elite MasterCard

Barclays Bank Other Airline Cards

Hawaiian Airlines World Elite MasterCard